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National Insurance Company Ltd

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Varistha Mediclaim for Senior Citizens

This policy has been designed to cater to the needs of Senior Citizens.

Critical Illness cover is an optional cover under the policy. Diseases covered under Critical Illnesses are as under:

• Coronary Artery Surgery

• Cancer

• Renal Failure i.e. Failure for both kidneys

• Stroke

• Multiple Sclerosis

• Major Organ Transplants like kidney, Lung, Pancreas or Bone marrow

• Paralysis and blindness at extra premium

Sum Insured:  Sum Insured is fixed per person. Under Hospitalization & Domiciliary Hospitalization Cover sum Insured is Rs.1,00,000/- and under Critical Illness cover Sum Insured is Rs.2,00,000/-.



Sum Insured


  60-65 Years 66-70 Years 71-75 Years 76-80 Years
Mediclaim 1,00,000/- 4180/- 5196/- 5568/- 6890/-
Critical Illness 2,00,000/- 2007/- 2130/- 2200/- 2288/-
  TOTAL 6187/- 7326/- 7768/- 9178/-

For fresh entrants to National Insurance above premium will be loaded by 10%. Under Mediclaim Section(Section I), if the insured intends to cover pre-existing diseases of Hypertension and/or Diabetes from the inception of the policy he/she has to pay additional premium @10% for either hypertension or diabetes & 20% for hypertension & diabetes for first year of the policy.  However, if a fresh entrant suffers from blood pressure/hypertension and/or diabetes and opts for Critical Illness cover, the same may be covered at additional premium @10% for either hypertension or diabetes & 20% for hypertension & diabetes provided no organ of the proposer is affected in consequence of blood pressure and/ or diabetes. If the medical report indicates occurrence of any such consequential complication, those proposals will be declined.

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If we can take this policy can you provide benifiets in india any states? This policy aginst cash less benifiets taken or not? This policy auto renwal every year for same? how many Days Taken in claim settelemts for same, Which Decies Covered in this policy? Metinatiy Benifiten Provide In this policy?
Vijay_1 Friday, April 11, 2014
I have been suffering from diabetes .Please inform if I purchase a mediclaim policy of National Insurance Corporation Ltd.,whether I shall be eligible to get hospitalisation expenses after 4 years' claim free years.
Malay123 Saturday, December 14, 2013
shubhdishi Thursday, December 12, 2013
I have taken a medical claim policy Star National Swasthya Bima Policy through Bank of India, Quilon Branch in the year 2007 and the Bank is regularly renewing the policy. I was transferred from Kerala and presently working in Chennai, Tamil Nadu. Whether I should transfer my policy from NIC Ltd, Quilon to NIC Ltd, Chennai, if so, what is the procdure. If not, whether the hospitals having tie-up with NIC Ltd in Tamil Nadu will accept the same policy.
BALOON Friday, November 01, 2013
I have taken Mediclaim Policy from Bank of Baroda [National Ins. CO.] But still I have not received booklet and List of Hospital, ID Card etc. Also I want to add my father in this Policy. Is it Possible to add my Father ?
SanjayPrajapati Saturday, October 12, 2013
i want to take Parivar - Mediclaim for Family from National Insurance Company Ltd. i am staying in malad[west] mumbai please mail me someof the agents telephone no and mail address
JEROME9 Monday, April 01, 2013
I have been continuously taking Mediclaim policy for the last 8years under National Insurance Co.India Ltd uninterruptedly.This year the renewal was done under Varistha Mediclaim for Senior Citizens.Kindly let me know if I am eligible for Cashless services in the approved list Hospitals,if so required.
Dr.Himanshu Kumar Sinha

hkusin Wednesday, November 07, 2012
i have a parivar mediclaim with national insurance but i am told that i cannot increase the sum assured till my father reaches 65. how is this possible.
dinesh_jain Saturday, June 02, 2012
i have a parivar mediclaim with national insurance but i am told that i cannot increase the sum assured till my father reaches 65. how is this possible.
kuheli Wednesday, December 28, 2011
I have taken mediclaim policy 3 years back[completed]. My policy number is 261101/48/10/8500005264. I have a policy for Rs.2,00,000. Recently I had undergone surgery for acute apendicitis (Appendix). My total expenses was Rs.1,29,222.00(All proofs submitted in April 2011), however my claim was just settled to 1,00,000 (on 15th August 2011) stating the reason as "SUM INSURED RESTRICTED TO RS.1,00,000/- (ONE LAC ONLY) FOR PRESENT ILLNESS". I contacted my agent in Bank of India,Malad(W), Mumbai, he stated that I should get full claim. Hence I registered my grievance with National Insurance company on 27/08/2011 on their website, however I have still not received any reply. I cant understand what is going on with the mediclaim procedure. It was better when it was cashless....Atleast we dont have to spend a single penny...We are not getting our own money? I would like to know the reason why my claim is not settled in full.. Please reply me at
Sarfaraj Friday, September 09, 2011
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